Mortgage Closer/Funder

Why Fidelity Bank? Fidelity Bank is a community bank built on values. Our mission has been in place for over 100 years, guiding us to do what's best for our customers and to build lifelong relationships. This includes being an independent, sound, and profitable bank that businesses and families come to first - and bank with for life. Right By You is our motto. It is more than our tagline. It represents our commitment to putting the well-being of our customers and employees first. Our entire team is dedicated to standing right by you. We achieve this by investing in our people, technology, and products to build long-term value and offer financial services that align with our customers' objectives.

SUMMARY:

This position is responsible for ensuring the closing documents are prepared correctly, accurately and timely while maintaining a high level of customer service with both internal and external customers and business partners. Closers will audit the loan files and prepare closing documents based on company and investor guidelines, and standard guidelines established by FNMA, FHLMC, FHA, VA, USDA, and NCHFA. This position will also be responsible for ordering and balancing wires for closings.

PRINCIPAL ACCOUNTABILITIES:

Perform pre-closing audit of closing and compliance documentation including but not limited to initial 1003, initial and final LE and CD as well as corresponding Change in Circumstance, Appraisal, Title, Property Insurance, Rate Lock Agreement, Final Loan Approval, Mortgage Insurance Certificate, and Flood Certificate.

Complete data entry in Encompass to generate closing instructions and documents.

Review CD for accuracy and tolerance variations.

Review and clear all "Prior to Closing" and "Prior to Document" underwriting conditions.

Request funding wires directly from wire department and review funding documents as required.

Assist post-closing in obtaining any corrections to closing documents as required.

Perform various additional tasks as assigned by Management that may not be specifically listed in this position description.

BASIC QUALIFICATIONS:

High School Diploma with 4 years of mortgage experience or an equivalent combination of education and experience.

ADDITIONAL QUALIFICATIONS:

• Experienced with purchase and refinance transactions for conventional, FHA, VA, USDA and NCHFA programs.
• Excellent verbal and written communication skills.
• Strong time management skills, including ability to accurately prioritize tasks.

PREFERRED QUALIFICATIONS:

Experience with Encompass preferred.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.

They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

Affirmative Action/Equal Opportunity Employer